Young people access banking services differently, 62% use mobile banking apps and half bank by phone. Regardless of income level, 91% of teens use the internet on a mobile device. The problem is that 18 to 24-year-olds are the fastest growing age group filing for bankruptcy. A solution would improve financial literacy in a form-factor for youth... Quarky App is a mobile app designed to connect young people with information, resources and places that can help them overcome challenges like these.